Home Insurance in Ponderay, Idaho
With a median home value of $436,700, Ponderay is 10% lower than the Bonner County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Ponderay was built around 1996. About 9% of homes were built before 1960, about 7 points below Bonner County's 16%.
In Ponderay, the housing stock is 38% single-family homes, 32% apartments in buildings with 5+ units and 18% mobile or manufactured homes. The rest are 2-4 unit or other housing types. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 54% of owner-occupied homes in Ponderay have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
The vacancy rate is 14%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy. About 32% of occupied homes in Ponderay are owner-occupied.
In Ponderay, 64% of homes are primarily heated with electricity.
What's the biggest home insurance risk near Ponderay? FEMA's National Risk Index points to inland flooding (Relatively Moderate) in Bonner County and Bonner County had 150 active NFIP flood policies as of September 2026. See the full Bonner County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood damage is excluded from a standard homeowners policy.
In Idaho, the statewide average premium for a standard HO-3 homeowners policy is $1,135 per year (NAIC, 2023 data).
Key figures
| Median home value | $436,700 |
|---|---|
| Median year built | 1996 |
| Owner-occupied share | 32% |
| Share of owner-occupied homes with a mortgage | 54% |
| Top county hazard | Inland Flooding (Relatively Moderate) |
| Active NFIP policies in Bonner County | 150 |
| Home insurance premium | $1,135 - statewide average (NAIC, 2023 data) |
Nearby towns
Sources
Data last updated: 2026-09-29
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)